Filing Flows

Filing Flows › Companies › Bank of Marin Bancorp › Cash flow

Bank of Marin Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$16.0M in Q3 2026 · $42.3M over twelve months

Operating cash flow$16.3M
Capital spending−$251K
Free cash flow+$16.0M
Cash / net income1.6×

Analysis

In Q3 2026, Bank of Marin Bancorp generated $16.3M of operating cash flow and spent $251K on capital projects, leaving free cash flow of $16.0M. That is $3.9M more than in Q3 2025 ($12.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $43.1M; the largest uses were other investing ($37.5M), dividends ($16.1M), capital spending ($868K); besides operations, cash came from other financing ($57.7M), shares issued ($30K); the cash balance rose by $46.0M.

Operating cash flow was $16.3M against net income of $9.9M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$3.0M, other liabilities +$720K, stock-based pay +$325K.

Free cash flow

Bank of Marin Bancorp: free cash flow by quarterBank of Marin Bancorp: free cash flow by quarter$10.6MQ4 2024$4.6MQ1 2025$7.1MQ2 2025$12.1MQ3 2025$13.5MQ4 2025$921KQ1 2026$11.8MQ2 2026$16.0MQ3 2026
Operating cash flow less capital spending.
Bank of Marin Bancorp: operating cash flow against capital spendingBank of Marin Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$10.7M$164KQ4 2024$4.9M$314KQ1 2025$8.0M$967KQ2 2025$12.5M$411KQ3 2025$13.6M$127KQ4 2025$1.1M$164KQ1 2026$12.2M$326KQ2 2026$16.3M$251KQ3 2026
Latest (Q3 2026): Operating cash flow $16.3M, Capital spending $251K.

Capital allocation, year by year

Bank of Marin Bancorp: where the cash came from (up) and went (down), by fiscal yearBank of Marin Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $45.3MFY2021: Net borrowing −$14.0MFY2021: Shares issued $463KFY2021: Capital spending −$1.0MFY2021: Buybacks −$40.8MFY2021: Dividends −$13.1M$45.7MFY2021FY2022: Operating cash flow $55.3MFY2022: Net borrowing $112MFY2022: Shares issued $821KFY2022: Capital spending −$2.3MFY2022: Buybacks −$1.2MFY2022: Dividends −$15.7M$168MFY2022FY2023: Operating cash flow $35.7MFY2023: Net borrowing −$86.1MFY2023: Shares issued $230KFY2023: Capital spending −$1.7MFY2023: Dividends −$16.1M$35.9MFY2023FY2024: Operating cash flow $28.4MFY2024: Net borrowing −$26.2MFY2024: Asset sales $21KFY2024: Capital spending −$520KFY2024: Buybacks −$4.3MFY2024: Dividends −$16.2M$28.4MFY2024FY2025: Operating cash flow $39.1MFY2025: Net borrowing −$126KFY2025: Capital spending −$1.8MFY2025: Buybacks −$3.3MFY2025: Dividends −$16.1M$39.1MFY2025
Over these 5 years operating cash flow totalled $204M; the largest uses were net borrowing ($126M) and dividends ($77.2M). Cash-flow statements as filed.

Where the cash came from and went

Bank of Marin Bancorp: sources (+) and uses (−) of cash, Q3 2026Bank of Marin Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$51.5MOther financing$25.3MOperating cash flow$16.3MCash drawn (+) / kept (−)$14.3MDividends−$4.0MCapital spending−$251KNet borrowing (+) / repaid (−)−$43KTaxes on employees’ shares−$25K
Bank of Marin Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Bank of Marin Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$57.7MCash drawn (+) / kept (−)−$46.0MOperating cash flow$43.1MOther investing−$37.5MDividends−$16.1MCapital spending−$868KTaxes on employees’ shares−$181KNet borrowing (+) / repaid (−)−$156KShares issued$30K

From profit to cash

Bank of Marin Bancorp: net income to operating cash flow, Q3 2026Bank of Marin Bancorp: net income to operating cash flow, Q3 2026Net income$9.9MStock-based pay$325KPrepaid and other assets$3.0MOther liabilities$720KOperating cash flow$16.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$16.3M−$251K—−$4.0M−$43K—$14.3M$16.0M
Q2 2026$12.2M−$326K$6K−$4.0M−$43K—−$43.0M$11.8M
Q1 2026$1.1M−$164K−$6K−$4.0M−$41K$30K−$11.3M$921K
Q4 2025$13.6M−$127K—−$4.0M−$29K—−$6.0M$13.5M
Q3 2025$12.5M−$411K−$1.1M−$4.0M−$20K—$9.5M$12.1M
Q2 2025$8.0M−$967K−$2.2M−$4.1M−$39K—$31.1M$7.1M
Q1 2025$4.9M−$314K—−$4.0M−$38K—−$123M$4.6M
Q4 2024$10.7M−$164K−$19K−$4.0M−$39K—$91.9M$10.6M

Bank of Marin Bancorp: income statement and cash flow

Bank of Marin Bancorp, Q3 2026: revenue $35.1M (+17% year over year), operating margin 39.0%. The chart follows the revenue to costs, profit and cash.

Bank of Marin Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.